Reply. Hi Melissa: To completely avoid mortgage insurance payments, you would have to put 20% down and it has to be a conventional loan. However, if you go with a conventional loan for your next home, you can take a look at a lender-paid mortgage insurance program like PMI Advantage.
Theoretically, you can become lactose intolerant at any point. While it is true that most people show their intolerance to lactose early in life, people can get it in their teenage years, or even in adulthood. Lactose intolerance is caused by a deficiency in the enzyme lactase in the inner lining of the GI wall.
The most common form of lactose intolerance is caused by the bodyâs inability to produce lactase, the enzyme that digests lactose, the sugar found in milk. Early in life, the body generally produces plenty of lactase â which is very important for infants, since they get nearly all of their nutrition from milk.